Paypal- more expnsive than square but funds are available immediately.

Square- cheaper than paypal and much more recognized. funds take 2 days.

3rd option amd my preference. Quickbooks has one. fees are a little more than square but if you are a premium program user its free. Also with quickbooks the transactions are logged in for accoumting which is a huge timesaver.

We work directly with quick books and blow intuit's rates out of the water. Also next day funds on everything including Amex and no separate deposit or statement.